{"id":1787,"date":"2026-11-04T11:25:10","date_gmt":"2026-11-04T11:25:10","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1787"},"modified":"2026-11-13T11:46:43","modified_gmt":"2026-11-13T11:46:43","slug":"punjab-state-health-insurance-mukhya-mantri-sehat-yojana","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/punjab-state-health-insurance-mukhya-mantri-sehat-yojana\/","title":{"rendered":"Punjab State Health Insurance: Mukhya Mantri Sehat Yojana"},"content":{"rendered":"\n\n\n\n\n
QUICK GIST<\/strong><\/th>\n<\/tr>\n<\/thead>\n
The Mukh Mantri Sehat Yojana (MMSY), also searched as Mukhya Mantri Sehat Yojana, is Punjab’s state health scheme. It offers cashless treatment of up to \u20b910 lakh per family per year at government and empanelled private hospitals. It upgrades the earlier \u20b95 lakh scheme that ran from 2019. Every permanent resident family of Punjab is eligible, with no income ceiling and no cap on family size. Punjab Government employees, pensioners, and contractual staff are included too. You need an Aadhaar card and a Voter ID, plus Aadhaar eKYC, to get the CM Health Card (Sehat Card) at a CSC or Sewa Kendra. The card usually arrives in two to three weeks. The scheme pays fixed package rates for 2,000+ procedures, so it works best as a strong base layer. A personal policy can add room choice, wider hospital access and extra cover on top. Helpline: 104 or 14555.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Punjab’s \u20b910 Lakh Health Card: What Mukh Mantri Sehat Yojana Covers, Who Gets It, and Where It Stops<\/b><\/h2>\n

A whole state, one health card<\/b><\/h3>\n

Picture a family in Bathinda. Three generations, one roof, one kitchen, and one shared worry: what happens if someone lands in hospital?<\/span><\/p>\n

Until recently, that question had a messy answer. Some families had a central scheme card. Some had a state card. Some had a corporate policy through a son in Mohali. Many had nothing at all.<\/span><\/p>\n

Punjab decided to make the answer simpler. Under the Mukh Mantri Sehat Yojana (MMSY), the state offers every resident family cashless treatment of up to \u20b910 lakh a year. No income test. No limit on how many people are in the family. That is unusual, even by Indian state-scheme standards.<\/span><\/p>\n

So this blog does three things. It explains how the scheme works in plain words. It shows you how to get and use the card. And it is honest about where a government scheme ends, and personal planning begins.<\/span><\/p>\n\n\n\n
Reading this for your parents in Patiala while you sit in Pune?<\/b> You are officially the family’s insurance department now. Congratulations, the role is unpaid. <\/span>Book a call with us<\/span><\/a>, and we will walk you through how MMSY fits with whatever cover the family already has. Free advice, zero lectures.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n

What is the Mukh Mantri Sehat Yojana in Punjab?<\/b><\/h3>\n

MMSY is Punjab’s state-funded health scheme. The state approved it in July 2025 as an upgrade of the earlier Sarbat Sehat Bima Yojana, which started in 2019. The State Health Agency (SHA) Punjab runs it under the state government.<\/span><\/p>\n

The headline change is the cover. It doubled from \u20b95 lakh to \u20b910 lakh per family per year. It also opened up to every resident family instead of selected groups.<\/span><\/p>\n

Here is what the scheme offers, in short:<\/span><\/p>\n